ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is United Bancorp, Inc. (Ohio) ?
1
Weak Long Term Fundamental Strength with a 0% CAGR growth in Net Interet Income
- A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans
2
Flat results in Jun 25
- CASH AND EQV(HY) Lowest at USD 15.77 MM
3
With ROA of 0.59%, it has a very attractive valuation with a 1.36 Price to Book Value
- Over the past year, while the stock has generated a return of 2.69%, its profits have fallen by -19.8%
4
Falling Participation by Institutional Investors
- Institutional investors have decreased their stake by -1.49% over the previous quarter and collectively hold 12.68% of the company
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to United Bancorp, Inc. (Ohio) should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is United Bancorp, Inc. (Ohio) for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
United Bancorp, Inc. (Ohio)
-3.41%
0.44
37.19%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.28%
EBIT Growth (5y)
-0.31%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
55.30%
Pledged Shares
0
Institutional Holding
12.68%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.36
EV to EBIT
31.09
EV to EBITDA
25.50
EV to Capital Employed
1.14
EV to Sales
4.49
PEG Ratio
NA
Dividend Yield
3.81%
ROCE (Latest)
3.66%
ROE (Latest)
11.52%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 10.34 MM
PRE-TAX PROFIT(Q)
Highest at USD 1.94 MM
NII(Q)
Highest at USD 6.59 MM
NET SALES(Q)
Highest at USD 10.41 MM
OPERATING PROFIT(Q)
Highest at USD 1.94 MM
OPERATING PROFIT MARGIN(Q)
Highest at 18.6 %
NET PROFIT(Q)
Highest at USD 1.83 MM
EPS(Q)
Highest at USD 0.33
-1What is not working for the Company
CASH AND EQV(HY)
Lowest at USD 15.77 MM
Here's what is working for United Bancorp, Inc. (Ohio)
Pre-Tax Profit
Highest at USD 1.94 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
NII
Highest at USD 6.59 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Operating Cash Flow
Highest at USD 10.34 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 10.41 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 1.94 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 18.6 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Net Profit
Highest at USD 1.83 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.33
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for United Bancorp, Inc. (Ohio)
Cash and Eqv
Lowest at USD 15.77 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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